The State Health Insurance Assistance Program (SHIP) provides free help to New Jersey Medicare beneficiaries who have problems with, or questions about their health insurance. SHIP is a statewide program administered by the New Jersey Department of Human Services with financial assistance through a grant from the U.S. Administration for Community Living.

Medicare beneficiaries frequently have questions about benefits, claims and supplement policies (known as Medigaps). Volunteer counselors, trained in areas of health insurance coverage and benefits that affect Medicare beneficiaries, provide information and assistance for dealing with claims and in evaluating health insurance options.

Volunteer counselors do not provide legal advice, sell, recommend, endorse any specific insurance product, agent, insurance company or plan. They provide information and assistance so that you can make your own decisions. Counseling is free of charge.

If you would like to become aSHIP volunteerand help people in your community better understand their Medicare-related insurance options, please call 609-588-2337. Watch this video for more information.

SHIP Information Center 1-800-792-8820

SHIP produces and regularly updates charts detailing the various Medigap, Medicare Advantage and Part D drug plans offered in New Jersey. These charts have been posted here to help you compare plans and make an informed decision about which plan best fits your needs and budget. Please note, however, that since Medigap options and pricing can change at anytime during the year, it is recommended you call the company you are interested in to confirm the information/premiums provided on these charts prior to enrolling or making a coverage change.

If you are receiving your Medicare coverage throughthe original Medicare program, here are the Medigap policies currently available in New Jersey.

Please note: the following documents are stored in Adobe Acrobat PDF format.

PDF formatted documents look just like the original printed documents. To view them you must have a PDF viewer which is available free from Adobe.Click here to learn more about Adobe Acrobat or to download the latest version of the Adobe Acrobat viewer from the Adobe Web site.

If you are interested in receiving your Medicare coverage through a Medicare Advantage Health Maintenance Organization (HMO), or a Preferred Provider Organization (PPO) or a Private Fee-for-Service (PFFS) plan, use the link below to view plans currently available in New Jersey*. Please note that many Medicare Advantage plans include prescription drug coverage. Ask the company you are interested in selecting how this benefit works.

*Please note that Medicare beneficiaries who have been diagnosed with end-stage renal disease cannot enroll in a Medicare HMO, PPO or PFFS plan.

Remember:SHIP provides free help to New Jersey Medicare beneficiaries who have problems with, or questions about their health insurance.Counseling siteshave been established in all 21 counties to serve you. You can also contact a SHIP counselor through yourCounty Office on Aging.